Trying to find affordable insurance is easier said than done, and determining which company quotes the most affordable insurance rates for welfare recipients may require even more rate comparisons.
Every auto insurer has a proprietary formula to set policy rates, so we’ll go over the insurance companies with the most affordable rates in Tampa, FL. Keep in mind that Florida insurance rates are influenced by many factors that control the price you pay for coverage. This price variation is why consumers need to take the time to compare as many rates as possible to find the lowest car insurance rates for welfare recipients. Auto insurance prices are determined by many different factors and can decrease or increase without notice, so the best company three years ago may now be one of the higher cost companies.
Cheap Insurance Rates in Florida
|Rank||Company||Cost Per Year|
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USAA has some of the most affordable car insurance rates in Tampa at around $957 a year. Electric, Amica, Progressive, and Travelers would also be considered some of the cheaper Tampa, FL car insurance companies.
As shown in the rates above, if you have coverage with Amica and switched to USAA, you could realize a yearly price reduction of in the vicinity of $755. Customers with Progressive could save as much as $818 a year, and Travelers customers might cut rates by $931 a year.
To get a quick, customized rate comparison, click here or visit any of the low-priced companies below.
Be aware that those premium estimates are averages for all types of insureds and vehicles and do not factor in a specific location for welfare recipients. So the car insurance company that fits you best may not even be in the top 21 companies shown above. That underscores the importance of why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
The make and model of vehicle to be insured is a large consideration that determines whether or not you find the cheapest coverage for welfare recipients. Vehicles with lower acceleration and performance, a great safety record, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models. The data below outlines insurance prices for a selection of the cheapest automobiles to buy insurance for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Volkswagen Jetta S 2.5 Station Wagon||$1,943|
|Dodge Grand Caravan SE||$2,006|
|Ford Escape XLS 4WD||$2,027|
|Honda CR-V LX 4WD||$2,032|
|Toyota Tacoma Double Cab 4WD||$2,121|
|Ford Explorer Limited AWD||$2,163|
|Toyota Corolla LE||$2,235|
|Toyota Camry SE||$2,243|
|Kia Optima LX||$2,271|
|Ford Edge Limited 2WD||$2,274|
|Chevrolet Malibu LTZ||$2,277|
|Toyota RAV4 2WD||$2,320|
|Ford Focus SES 2-Dr Coupe||$2,386|
|Ford Fusion S 4-Dr Sedan||$2,389|
|Get a Custom Quote Go|
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rates do not factor in your specific Tampa, FL location which can modify prices substantially.
By looking at the data, you can assume that makes and models like the Volkswagen Jetta, Dodge Grand Caravan, Ford Escape, Honda CR-V, and Toyota Tacoma will definitely be some of the less-costly vehicles to insure for drivers on welfare.
Driving violations and accidents
The common sense way to snag the best insurance prices in Tampa for drivers on welfare is to be a cautious driver and avoid traffic citations and accidents. The chart below illustrates how speeding tickets and fender-benders raise car insurance rates for different age groups of insureds. The information is based on a married female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
In the prior example, the average cost of auto insurance in Florida per year with no accidents and a clean driving record is $1,778. Get two speeding tickets and the average cost surges to $2,517, an increase of $739 each year. Now throw in one accident along with the two speeding tickets and the 12-month cost of insurance for welfare recipients jumps again to an average of $3,284. That’s an increase of $1,505, or $125 per month, just for a couple of infractions!
The diagram below illustrates how choosing a deductible can raise or lower insurance premiums when trying to find cheap insurance for welfare recipients. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The data above shows that a 30-year-old driver could save $460 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $696 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old, could reduce their rates up to $1,354 annually by choosing larger deductibles on their policy. When raising deductibles, it will be required to have enough funds in savings to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Discounts on Tampa auto insurance rates
Car insurance companies that offer cheap quotes for welfare recipients may additionally offer policy discounts that could lower prices by as much as 25% or more if you are eligible to receive them. A few of the larger companies and a partial list of their discounts can be found below.
- State Farm offers premium reductions for good driver, passive restraint, multiple autos, multiple policy, Steer Clear safe driver discount, good student, and Drive Safe & Save.
- Progressive has savings for multi-policy, good student, online signing, online quote discount, and continuous coverage.
- Travelers may offer discounts for early quote, good student, new car, IntelliDrive, and multi-car.
- American Family may have discounts that include mySafetyValet, TimeAway discount, good student, accident-free, bundled insurance, and good driver.
- Liberty Mutual policyholders can earn discounts including newly retired, multi-car, newly married, new vehicle discount, preferred payment discount, safety features, and multi-policy.
The chart below shows the comparison of car insurance rates with and without discounts. The price estimates are based on a male driver, no claims or violations, Florida state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with claim-free, homeowner, multiple vehicle, accident-free, vehicle safety, and anti-theft discounts applied. With discounts applied, the average savings per year on insurance for welfare recipients is 28% or $659.
The insurance agencies below can help you make a decision which car insurance policy is best, as some drivers wish to get some professional advice when comparing insurance rates for drivers on welfare. It can be time-consuming to find the best coverage on your own, and a licensed agent can provide comfort knowing your coverage gives you enough protection. To find a Tampa insurance agency in your neighborhood, click the button at the bottom or click here to compare price quotes now.
Buhl Insurance Agency
2935 W Hillsborough Ave – Tampa, FL 33614 – (813) 876-0057
E J Ferro Insurance Agency
Tampa, FL 33647 – Tampa, FL 33647 – (813) 926-1515
GreatFlorida Insurance – Mike Polivchak
3928 W Hillsborough Ave – Tampa, FL 33614 – (813) 870-2334
Herma White – State Farm Insurance Agent
14940 N Florida Ave – Tampa, FL 33613 – (813) 961-6661